Merced County Conforming Loan Limits 2026

The 2026 conforming loan limit for Merced County is $832,750 for a 1-unit property.

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If your loan amount is under $832,750 you can put as little as 3% down, and your entire down payment can be a gift.

First-time homebuyers purchasing a home in Merced County may qualify for lower rates and costs by waiving Loan Level Pricing Adjustments or LLPAs if their gross annual qualifying income is $84,000 or less.

Loans above $832,750 in Merced County would be considered a jumbo loan. Jumbo loans can have more difficult qualifying requirements, such as mandatory reserve funds and lower maximum debt-to-income ratios.

Homebuyers can put as little as 5% down on 2-4-unit properties as long as the property is their primary residence.

Here are the conforming loan limits for 2 to 4-unit properties in Merced County…

• 2-unit property – $1,066,250
• 3-unit property – $1,288,800
• 4-unit property – $1,601,750

Click Here for FHA Loan Limits for Merced County 2026

If you are looking for a purchase loan or a refinance in Merced County, we would love to work with you!  We can close a purchase loan in as little as 10 days and refinances in 15 days.  You won’t find a lower rate and better service than Community First Mortgage.

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(Rates subject to change without notice)

Loan Assumptions